Understood. You are in the wiregrass area away from the coastline and not in tornado alley. Sadly your area gets lumped in as if it were.
Just as a casual observer I have seen homeowners score a new roof from wind and hail damages over not just one weather event but several events over multiple seasons. Adjuster's do not differentiate, they only see storm damage so long as you can resist making an obvious small repair over a couple of unsightly missing shingles. It's Alabama...just be patient.
Wiregrass area is still very close to the gulf, so it’s not like coastline high for wind insurance but iirc from seeing a model, it’s just a small step down. In other words, the area only catches a break on not getting the water, I believe. Still, most of Snag’s expense is due to his exorbitant lifestyle and his wife’s exquisite taste in everything other than her husband.
She married him not for his looks or intelligence. Say what you will about Snags but he is good at taking money from hard working, blue collar workers of the Wiregrass who get caught up in his company’s brake check and slip and fall schemes. They are good at it and they care about making money.
Having said that, they don’t give a fuck about anything else.